Forgot to make Macys Card payment

Anonymous · ‎07-28-2017

This whole mortgage process is being so stressfull that I just realized I forgot to pay my macys card..which was due July 20th. I can't believe I forgot.:

I just made the payment, today 28th. My file is in underwriring.....Am I in trouble now? Im freaking now

JGGM · ‎07-28-2017

Typically late pays aren't reported to credit bureaus until they are 30 days late. Internally, Macy's will know you paid late, but I don't see this being reported to bureaus.

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Anonymous · ‎07-28-2017

Don't sweat it! Like the above poster said, Macy's will know, but it won't hurt your mortgage.

Spider07 · ‎07-28-2017

@Anonymous wrote:
This whole mortgage process is being so stressfull that I just realized I forgot to pay my macys card..which was due July 20th. I can't believe I forgot.:

I just made the payment, today 28th. My file is in underwriring.....Am I in trouble now? Im freaking now

Should be fine. I did the same thing with my wife Victoria Secret Card. Didn't actually forget a payment, but I Paid it early last month, which I guess changed my payment due date and when I put it on this month's budget it went back to its normal spot. So I ended up paying it around 7 days late, so I had to pay a late fee but it will not report as 30 days late on my report.